BUYER DASHBOARD
While no two deals are ever the same, the process follows a somewhat predictable path. Most of this information will always be shared with you over a phone call or in person, but because there is so much of it - and my goal is always to create simple and elegant systems that make my clients feel empowered and informed - I've created this checklist as a tool I hope you find helpful as we proceed through the home buying journey together.
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Pink will take you to forms or presentations I've created that offer deeper insight.
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Blue will take you to blank Colorado Commission of Real Estate approved forms so you can get an idea of what you will be signing.
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Green takes you to other websites that I think might be helpful
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Orange allows you to email or make a call as appropriate throughout the process.
The Process
GET PRE-APPROVED
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Learn about lending requirements, credit score, ratios, & more
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Get referrals for potential mortgage brokers & interview them
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Gather & submit all required documentation
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Apply online & decided what you can afford to pay monthly
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Obtain a pre-approval letter & send it to your agent, Erin Rose
PARTNER WITH AN AGENT
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Review Ideal Home inventory: Active, Pending, Sold
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Review Recent Market Statistics
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Review the Home Buyer Closing Cost Net Estimate Sheet
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Sign the Exclusive Right to Buy Contract
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Review & Sign Definitions of Working Relationships
FIND YOUR NEW HOME​
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Download the Home Search App
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Favorite any homes you like with a 'heart'
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Refine the list & nix homes you don't want to tour
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Schedule home touring day(s) with the agent
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Decide on your dream home
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MAKE AN OFFER & NEGOTIATE
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Discuss terms, price, and dates with the agent: Decision Worksheet
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See Vendor Directory > select a Title Company & Read Info
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Review & sign the Contract to Buy & Sell Real Estate
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Buyer to deliver Earnest Money$ to Title Company by the deadline
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Obtain Earnest Money Receipt
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Review Counter Offer -if applicable
UNDER CONTRACT
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See Vendor Directory > Select an Insurance Agent
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Send proof of Home Insurance to your lender
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Review Seller’s Property Disclosure
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See Vendor Directory > select Home Inspection(s) & Read Info
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General Inspection
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Radon Inspection
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Sewer Scope
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Asbestos Testing (*Ceiling Repair $ after!)
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Other:
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Review Lead-Based Paint Info / Brochure
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Review Radon Info /
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Review & sign all disclosures​
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Lead-Based Paint Disclosure -1978 & Prior
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Review HOA Documents
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LIV Wire Fraud Disclosure
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If IVA Loan: discuss property condition requirements
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Discuss Inspection Objection with the agent
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Agree to Inspection Resolution or withdraw Insp. Obj.
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Confirm with Lender: ok to order a 3rd party appraisal
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Review title work ordered by your agent
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Confirm closing date and possession date
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Certify funds for closing / or wiring information
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3 Days Prior to Closing: Finalized home loan rates
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Review the final Settlement Statement from the Title Company
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Reconfirm closing date/time/location
BEFORE YOU CLOSE
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Transfer funds for closing if necessary
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Reserve a moving company
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Confirm that all Inspection items were resolved
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Schedule the final property walk-through
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SECURELY Wire funds to Title Company
CLOSING DAY: WHAT TO BRING
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A printed confirmation of your wire transfer
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Government-issued photo ID(s)
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Social Security number(s)
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Home addresses from the last 10 years
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Proof of Homeowner's Insurance
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Your checkbook, even if you are wiring money
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CLOSING DAY
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Schedule at least 2 hours (1-hour min on average)
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Sign all Documentation
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Title transfers /deeds delivered
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Confirm Title company will transfer the water bill
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Get your keys - congrats, it's all yours!
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Call Xcel (or other): Gas & Electric > transfer into your name.
POST-CLOSING
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See Vendor Directory > Rekey the property
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Watch for refunds for escrowed utility funds
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Save all mail/packages received addressed to previous owners & forward or alert your agent to pick them up.